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May 22, 2026Agricultural Economics Research Review

Unlocking Farm Credit: Analysis of Factors Affecting Its Access to Farmers in West Bengal

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Authors

DBDebapriya BanerjeeSSSoumitra Sarkar

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Overview

Randomized trial analyzes factors influencing institutional credit access in West Bengal farmers, suggesting improvements for increased utilization.

Key Points

  • This analysis aims to identify the key factors that influence farmers' access to institutional credit in West Bengal.
  • Collected primary data from 552 farmers using simple random sampling across all districts in West Bengal.
  • Analyzed the data using a logit model.
  • Off-farm income, collateral, and farmer age negatively impact access to institutional credit.
  • Agricultural extension services and landholding positively affect access to institutional credit.
  • Recommendations include reducing loan processing time and educating farmers about credit benefits.

Cite This Study

Banerjee et al. (2026) studied this question.

synapsesocial.com/papers/6a0ff33bd674f7c03778bcb3https://doi.org/10.1177/09713441261445669
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Determinants of Access to Institutional Credit for Agriculture Sector: Empirical Evidence from Odisha, India2025
  2. 2Breaking Financial Barriers: A Limited Dependent Model Analysis of Smallholder Farmers’ Access to Institutional Credit2026
  3. 3Determinants of rural credit in India: evidence from a large-scale sample survey2024 · 1 citations
  4. 4Constraint Analysis of Accessibility and Utilization of Agricultural Credit and Associated Socio-economic Traits in Puri District of Odisha, India2024
  5. 5Agricultural credit for sustainable rural development: An empirical study of Jalpaiguri district, West Bengal2023